問 我(wo)是(shi)一名會計師，剛(gang)剛(gang)找到(dao)一份新工(gong)作(zuo)，聽說公(gong)司在轉正后給交社會保險(xian)(xian)，請問什么是(shi)社會保險(xian)(xian)？

答 社(she)會保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)是國家(jia)通過立法建立的(de)(de)一種社(she)會保(bao)(bao)(bao)(bao)障(zhang)制度(du)，其(qi)功(gong)能(neng)在(zai)于使勞(lao)動(dong)者在(zai)因(yin)年老(lao)、患病、失(shi)(shi)業、生(sheng)育、傷(shang)(shang)殘、死亡等原(yuan)因(yin)，暫時(shi)或永久喪失(shi)(shi)勞(lao)動(dong)能(neng)力(li)而中斷勞(lao)動(dong)無(wu)法獲得(de)勞(lao)動(dong)報(bao)酬(chou)，本人及其(qi)供養的(de)(de)家(jia)屬失(shi)(shi)去生(sheng)活(huo)來(lai)(lai)源，能(neng)夠從(cong)社(she)會獲得(de)物(wu)質幫助(zhu)。社(she)會保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)與商業保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)的(de)(de)不同之處在(zai)于：商業保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)是盈(ying)利(li)性(xing)的(de)(de)，是否參加(jia)商業保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)是完全自(zi)愿的(de)(de)；而社(she)會保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)是強制性(xing)的(de)(de)，用人單(dan)位合(he)勞(lao)動(dong)者必(bi)須參加(jia)。就我國目前情(qing)況來(lai)(lai)看，社(she)會保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)包(bao)括養老(lao)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、失(shi)(shi)業保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、醫療(liao)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、工傷(shang)(shang)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)和生(sheng)育保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)。